Donghua Bank began to launch the listing plan and set up a working group for shareholding reform, with Zhao Youliang as the leader, the group office was set up in the office of the board of directors, and Lin Tianhua as the executive director and the secretary of the board of directors served as the chairman and deputy director of the share reform office respectively.

On the 10th day of the first lunar month, Donghua Bank held a kick-off meeting for the restructuring project to officially launch the audit, evaluation and legal due diligence work.

According to the plan of Donghua Bank, a joint-stock company under the new structure should be established before September, and then all the shares of Donghua Bank will be transferred, during which there will be a lot of communication between the capital, the government, and the original shareholders, and the plan requires that the listing of Donghua Bank should be completed within 18 months.

The entire Donghua Bank is almost boiling, it is revealed that in the establishment of a new company, the bank wants to raise a part of the funds from the employees, each employee according to the entry time and rank, there is a certain option ratio, as soon as the news of the listing came out, many private capital also began to buy this original share from the employees, although the articles of association clearly stipulate that this kind of shares shall not be transferred within three years, but some people still signed a secret agreement.

Wang Chong also got a part of the options, and discussed it with Ma Xiaoxiao to 1. The price of 2 yuan per share, holding one million shares, of course, Wang Chong just bought a house, the deposit is only more than 400,000, and the remaining more than 700,000 is Ma Xiaoxiao's money, Wang Chong drafted an internal agreement, and was ridiculed by Ma Xiaoxiao, "We all live together, why do you still calculate with me so clearly?"

Wang Chong smiled, "Aren't you afraid that I will abscond with the money?"

Ma Xiaoxiao's face darkened, and said, "If you run away with the money, what's the use of the extra money I want?" Wang Chong knew that he had said the wrong thing, and hurriedly apologized, Ma Xiaoxiao was not a stingy person, and he didn't care.

Listing is listing, and the work must continue.

On the twelfth day of the first month, Kang Pingfang, the owner of Kangmang Trading Company, found the Chengdong branch and said that their company was going to apply for a loan recently, because the loan that helped Tianma Baicheng before occupied a large amount of credit line, and asked to repay this part of the loan in advance.

At that time, Gu Tiande and Zhao Xiaocheng did this business, the main purpose was to make Baicheng's indicators look better, and they took a channel from Kangmang Commerce, Wang Chong also knew about it, so he approved it in the system and agreed to return it in advance.

originally thought it was just an ordinary business, but in the afternoon, Su Lei found Wang Chong and said: "President Wang, Baicheng Commerce and Trade does not agree to deduct 200 million yuan of deposit to return the loan of Kangmang Economic and Trade. ”

Wang Chong exclaimed, "What?"

Su Lei said: "Mr. Kang went to Zhao Xiaocheng, and Zhao Xiaocheng made it clear that this loan was applied by Kangmang Economic and Trade to Donghua Bank, and it has nothing to do with their Tianma Group and Baicheng New Materials. ”

Wang Chong scolded, "This Zhao Xiaocheng is too bastard, what about the drawer agreement?"

Su Lei had already taken out the secret guarantee agreement and handed it to Wang Chong, this loan was made by Gu Tiande, Gu Tiande's ability is limited, and his risk awareness is extremely weak, he glanced at the seal on the contract, and called Shang Qingshan of the sales department, "Take the seal card of Baicheng New Materials to my office, remember to keep it confidential." ”

Wang Chong also beat a drum in his heart, this secret guarantee agreement has violated regulatory regulations, if the seal of this agreement is a radish seal, then Donghua Bank will have to play big this time. Although this business was obtained by Gu Tiande, if this guarantee is not established, then the loss of 900 million yuan can all fall on the head of the Chengdong Branch, and Donghua Bank will be in big trouble.

In the office, Shang Qingshan checked the contract of Baicheng New Materials with the folded angle seal method, and was relieved to determine that the seal of the agreement was Baicheng's seal, which was also a blessing in misfortune.

A few years ago, Zhao Xiaocheng used Kangmang's business to blackmail Wang Chong, and was scolded back by Wang Chong, but he didn't expect them to play more singleton this time, and directly denied the loan guarantee.

Wang Chong dialed Zhao Xiaocheng's phone, "Zhao Xiaocheng, you come to the office." ”

His tone was very unfriendly, even with a hint of anger, if there was really a problem with this loan, one point nine billion, Wang Chong couldn't carry it, and he couldn't afford it, he had to make a decision.

Zhao Xiaocheng's tone was also unfriendly: "Who are you, President Wang?"

"It's me, and in half an hour, you come to my office. ”

Zhao Xiaocheng sneered, "Wang Chong, what are you, talk to me like this, I call you President Wang to give you face, Lao Tzu has no time to play with you." ”

Wang Chong sneered at the phone, "Within half an hour, I won't see you, I will announce that the Shunfa Aluminum loan will expire immediately, because it is found that there are irreparable risks and hidden dangers, and a risk warning letter will be issued in the city's banking system, Zhao Xiaocheng, hello for yourself." ”

Zhao Xiaocheng scolded, "Wang Chong, do you know what the consequences will be if you do this?"

Wang Chong said, "Of course I know, compared to the loss of 1900 million yuan in Kangmang's economy and trade, what is the consequence of this?"

Zhao Xiaocheng said: "Okay, you wait." ”

Before leaving, Wang Chong said to Su Lei, "When he comes, put pressure on him and let them fulfill their guarantee obligations, I am not allowed to let him leave before I come back." ”

He made an appointment with Lin Tianhua, came to Lin Tianhua's office, and reported the incident in person. Lin Tianhua felt that the matter was very important, and called the experts of the legal and compliance department over to analyze the loan.

The legal expert said: "From the information we have so far, the situation is very unfavorable for us.

First, we issued loans in violation of regulations, and we also signed a drawer agreement, even if we won the lawsuit through legal proceedings, regulatory penalties could not be avoided; second, President Wang also mentioned that the Chengdong branch had issued a confirmation letter to the other party, writing the margin account as a deposit account, and if we wanted to file a lawsuit, the other party was very likely to seize this point to defend itself.

Third, we are in the process of launching a listing plan, and there have been a number of risk events in our bank a few years ago, and if this case is exposed again, the impact on us will be too great. ”

Wang Chong nodded in agreement and said, "It is likely that the Tianma Group took a fancy to this point and played a scoundrel with us. They are also listed companies, and there is no benefit to doing this, the only thing is to delay a little time. ”

Lin Tianhua asked, "What is your opinion?"

Wang Chong thought for a moment and said: "First forcibly deduct the deposit, repay the loan, settle the pocket, and then see the other party's reaction and go through the legal response procedure." ”

Wang Chong also understood that this was also an illegal operation, but for the benefit of Donghua Bank, he had no choice but to do so.

Lin Tianhua looked at Wang Chong and said, "I can't give you any advice on this matter, if something goes wrong, all the responsibility is yours, can you bear it, Wang Chong?"

Wang Chong took a deep breath, this matter fell on his own branch, and he was responsible for dealing with it, and he was also responsible for not dealing with it, since he couldn't run away, he would take the lesser of two evils, and nodded.

Coming out of the head office, Wang Chong talked to Su Lei on the phone, "Has Zhao Xiaocheng arrived?"

Su Lei said, "He is in the conference room, I negotiated with him, he was furious with me, saying that when I see you, I have to have a good reason with you, President Wang, if you don't come back, I guess he is about to blow up." ”

Wang Chong said in a low voice: "Immediately go through the process from the system, deduct the 200 million deposit of Baicheng New Materials, and return the Kangmang economic and trade loan." I'm on my way back and I'm going back to sign all the formalities. ”

Su Lei had some questions, "President Wang, the deduction of the margin must be approved by the risk management department of the head office." It's not proper to do so. ”

Wang Chong said categorically: "If it is in line with the rules or not, it must be executed, this is an order." I have already reported to the leadership of the bank, and I will bear all the accountability that arises. ”

Back at the branch, Zhao Xiaocheng was in the conference room, and a cup of tea had lost its color. Wang rushed into the house and said, "Director Zhao, I'm really sorry for the temporary urgency just now, I went out, Xiao Zhang, hurry up and change a new pot of tea for Director Zhao, you see that there is no color, where is there such hospitality?"

Zhao Xiaocheng was hung here by Wang Chong for nearly an hour, and he had already accumulated a belly of anger, especially when he was very bad at his tone before, which made him even more unhappy.

Seeing Wang Chong coming in, he thought he was going to be tense, but Wang Chong's attitude came to a 180-degree turn, and he was so condescending that he couldn't vent his anger, he said, "Wang Chong, okay, I'm here, you have something to say." ”

Wang Chong said with a smile, "Director Zhao, I also had to invite you over." Drink tea first. ”

"I'm busy. ”

Wang Chong had a smile on his face, and said to Zhao Xiaocheng with a pleasant face: "Okay, I won't be close to you, let's just talk about money and interests." Director Zhao, although I didn't handle the loan of Kangmang Economic and Trade, but I also heard a little about Gu Tiande when he was there, everyone knows what's going on, I told you very thoroughly a few years ago, and it won't be interesting to say more. If you pay back the money, everyone wins, and if you don't pay it back, you lose both.

Second, you also know that if the two of us come to court because of this kind of small business, it will inevitably have a bad impact on both parties, especially Baicheng New Materials is a listed company, once this matter is exposed, your company is suspected of falsifying financial statements, how much do you think the stock price will fall?

Thirdly, Tianma Group is a shareholder of our Donghua Bank, we can go public smoothly, and Tianma's equity in our bank can also maximize benefits, right, we have both prosperity and loss, why bother to break the net because of this matter?"

Zhao Xiaocheng said: "If you really fight a lawsuit, you may not be able to win." ”

Wang Chong nodded, "Yes, we are not 100% sure, so early this morning, we have already forcibly deducted the deposit to repay the loan." ”

Zhao Xiaocheng was drinking tea, and when he heard this, he almost didn't hold back his internal injuries, and shouted, "What?"

He slammed the cup on the table, and the tea spilled all over the table.

Wang Chong took out a few pieces of paper, wiped the table, and persuaded, "Things have reached this point, I don't think there is much affection between us, Director Zhao, I think this matter is over, otherwise, once the lawsuit is initiated, I am afraid that it will be affected by the time, not only the problem of 200 million." ”

Zhao Xiaocheng knew that what Wang Chong said was right, if he really went through the litigation procedure, it would trigger a chain reaction in the entire financial system of Donghua City, and at that time, Tianma Group had no second choice except to declare bankruptcy and liquidation.

Whether it's a company or a bank, the debt situation is like dancing on a powder keg with a torch, and even a small spark can trigger a huge explosion.

The more Zhao Xiaocheng looked at Wang Chong, the more he felt that he was hateful, but this guy was not stingy, and he had no way to deal with him.

Zhao Xiaocheng changed the topic and asked: "I heard that Gu Tiande ordered Shi Kui and Shi Hu brothers in the Public Security Bureau, Shi Kui is still missing, I don't know if President Wang has heard any clues?"

Wang Chongxin said that Zhao Xiaocheng was afraid that Shi Kui would have any evidence against him, but since Shi Kui's accident, like the world evaporated, according to Li Yishu's analysis, he was very likely to run away abroad, and he didn't know that Shi Kui had already been killed by Zhao Xiaocheng.

Wang Chong said: "I really want to know that when he left like this, I lost a chance to make a fortune." ”

Zhao Xiaocheng smiled and continued: "I heard that before Shi Kui's accident, you were helping him transfer a sum of money?"

Wang Chong was vigilant, Tianma Group was suspected of participating in the 913 illegal fundraising case, which was extremely secretive, if Li Yishu hadn't told him personally, he would never have known about it, Zhao Xiaocheng was testing him, so he said, "Director Zhao, we are all adults, don't say that we haven't done this kind of thing, even if we do, we won't admit it, haha!"

Zhao Xiaocheng secretly scolded the old fox and laughed dryly.

"What, Shi Kui still owes Director Zhao money?"

Zhao Xiaocheng said: "Even if I owe it, I won't admit it, ha!"

Seeing Zhao Xiaocheng away, Wang Chong personally went to the head office again and reported the incident to Lin Tianhua. After listening to Wang Chong's report, a stone fell to the ground in Lin Tianhua's heart, at this critical moment, Donghua Bank could no longer withstand any toss, otherwise he Lin Tianhua would hum the sinner of Donghua Bank.

Lin Tianhua chatted with him for a while, changed the conversation, and asked: "Wang Chong, our bank has been carrying out share reform recently, and the work of the Dong Office has been too busy recently.

The Board of Directors is subordinate to the Board of Directors, is accountable to the Chairman, and is not subject to the jurisdiction of the President's Office.

Wang Chong said: "Lin Xing, my personality is more inclined to be in business, and I am afraid that I will not be able to do the things that the director does." ”

Lin Tianhua said, "You are a master of finance at HKU, and you are also a senior member of Professor Law Zhisen, and I am afraid that I will not find another suitable candidate for the entire Donghua Bank, except for you." Moreover, participating in the share reform and listing is also a highlight experience for your career, and if you have the opportunity to join the team of Donghua Bank in the future, this experience will be even more precious. I don't think you have to excuse yourself. ”

Wang Chong thought to himself that this was indeed the case, with his qualifications and experience, being able to enter the board office was like entering the middle secretary department of the cabinet, becoming a member of the middle secretary, and being in charge of the bank's secrets.

Lin Tianhua said again: "If the time is ripe, I will find a way to recommend you to become the secretary of the board of directors." ”

Lin Tianhua's sentence is very clear, the secretary of the board of directors is a senior manager in the industry, responsible for the regular work of the board of directors office, nominated by the chairman, appointed by the board of directors, and equal to the team members. Lin Tianhua wanted to recommend Wang Chong as the secretary of the board of directors, the meaning was obvious, after consolidating his position in the industry, he aimed at the position of chairman.

After the board of directors a few years ago, Lin Tianhua felt the pressure.

No matter how powerful he is in the bank, there is always a chairman above him who is pressuring him, and some of his policies and strategies in Donghua Bank will be restricted.

Lin Tianhua is an ambitious and ambitious person, and over the years of being president, Zhao Youliang has been quite supportive of his work, but there are occasional contradictions between the two, so this time he tried his best to support Wang Chong to enter the board of directors, taking advantage of the opportunity of the share reform, leading the composition of new shareholders, and gradually increasing the control of the board of directors.

"How's that?

Wang Chong hesitated, "President Lin, I want to think about it before replying to you." ”

"Okay, I'm not going to rush you. Lin Tianhua lit a cigarette, handed another one to Wang Chong, and said: "The internal withdrawal procedures of the president of the founding of the People's Republic of China have been approved, and we will organize a farewell party in two days, and you can also participate." ”

Wang Chong said, "I participate?"

With Wang Chong's current level, he is not qualified to participate in this kind of farewell ceremony. Lin Tianhua said: "Something?"

Wang Chong shook his head, "No." ”

Lin Tianhua snorted, "The president of the founding of the People's Republic of China is now considered to have retired, and I talked to him yesterday." ”

"Talk?"

"Yes, routine conversation. ”

Wang Chongxin said that I am afraid that this kind of routine is not an ordinary routine. The two struggled for four years, and finally Lin Tianhua had the last laugh, and this conversation should not be too friendly.

Lin Tianhua suddenly asked, "Wang Chong, do you think there is a problem with the president of the founding of the country?"

Wang Chong's heart sank, he didn't expect Lin Tianhua to ask this question at this moment, he remembered the painting hanging in Qi Zhongyuan's office, and thought of all kinds of clues, Liu Jianguo, most of them are problematic, but he is not this kind of person.

Finally, Wang Chong still said: "There are suspicions, but there is no evidence." ”

Lin Tianhua asked again, "If you are asked to testify against Liu Jianguo, are you willing to do it?"

Wang Chong shook his head, "If there is no evidence, I won't talk nonsense." What's more, if people don't offend me, I won't offend people, and the president of the founding bank has always taken good care of me, and I will not do such an ungrateful thing. ”

"Wang Chong, you were picked up by him, and I won't let you come forward with this kind of thing. You have a problem, that is, you are too straight and not experienced enough to deal with problems, but it is not a big deal, and it can be changed. ”

Wang Chong sighed, "I'm afraid it's not easy to change." ”

"The president of the founding bank also has a hard time, and he also realizes that he has been used as a gun by others, which he also said yesterday when we had a deep conversation. ”

Wang Chong heard what Lin Tianhua said, he is an extremely smart person, and after a little analysis, he came to the conclusion that the "others" in Lin Tianhua's mouth are the chairman of Donghua Bank, Zhao Youliang.